edit/update: after some testing, I realized the app’s input field for date of birth automatically “corrects” whatever you enter so you physically can’t select your age if you’re under 18. When I signed up I used autofill to skip through the process and the app’s input field changed what I entered. The day and year was exactly the same but it reversed by a few months. I didn’t intentionally lie about my DOB (nor use the account I created whilst under 18 - I waited until I turned 18 to start using it) but they’re still just assuming I did and won’t let me use even a new account. More info below I guess
This might be a bit of a weird case but I hope some of you guys can hear me out and potentially advise me on what to do next…
I just signed up to Curve a few days ago, selected the black plan and have so far used the card twice, once at Starbucks with Curve Pay and once online at eBay. A few minutes ago I got this email:
I regret to inform you that after careful consideration we’ve decided to cancel your account. This is due to activity that violates Curve’s Terms of Service. Please note that this applies to your previous, current and any future account you may wish to have with Curve. I’m sorry that we can’t continue to provide our services to you.
I think I know why. A few months before I turned 18 (literally a few months, the same year) a friend told me to sign up to Curve using a referral link so he could get a bonus. I never actually ended up using the account, and at the time didn’t actually notice it was 18+ (for reference, I live in a country where the drinking age is 17 and most people have bank accounts at 16)
A few months later, after turning 18, I rediscovered Curve and thought it would actually be pretty useful. I’d forgotten about my initial sign up and was having issues creating an account, so I emailed support who told me I’d already created an account and lied about my date of birth (which I genuinely wouldn’t and didn’t do, but of course understand why that would be against TOS)
It took some pushing but I was eventually told what the date of birth provided was. It was the day I signed up minus 18 years, which to me genuinely seems like the app just correcting whatever I was autofilled to allow the sign up flow to proceed, or limiting the input.
I understand why that old account (not this one) had to be deleted if the DOB assigned to it was incorrect. However a few days after signing up properly this time I was told that after “careful consideration” my current account would be closed. I never did anything fraudulent, all my payment cards are my own, I just want to be able to have a unified transaction history and I’m happy to pay for that service.
Out of every possible violation the thing that stops me ever being able to use Curve is an account created a few months before turning 18, that I never actually used, without knowing it was 18+ and without intentionally providing a false date of birth. Again, I genuinely believe that the reason my initial account had a different date was simply because the app wouldn’t autofill my correct DOB, and it just selected the wrong one without me noticing.
I sent all this off as a reply to the account closure email but honestly don’t think it’s gonna get very far. The first time I had to deal with support responses took forever and I was only able to get a reply after talking to the social media team.
Any thoughts on how I should handle this? Chances of them ruling in my favor? I really just want to have unified transaction history, I use so many cards these days and a lot of the time their apps suck so it helps to be able to filter by category, amount, currency, which card was used etc.